Peymo Ltd, a UK-based fintech innovator, officially launches the world's first AI-powered multi-hybrid bank — a digital finance platform that seamlessly integrates fiat banking, crypto wallets, tokenised assets and embedded finance in one unified system.

Built on proprietary modular architecture, the platform lets users manage GBP, EUR, crypto assets and branded debit cards in one place, while enterprises can plug in full banking functions through simple APIs.

"We make complex finance invisible," says Tomas Bartos, Founder of Peymo."By fusing AI, fiat, crypto and embedded finance into a single stack, we're delivering the next generation of banking — and it's ready today."

Peymo delivers powerful AI through a voice-first interface.

The system features continuous listening, instant intent recognition, and multimodal confirmations to enable secure, hands-free banking.

Behind the interface, five specialized AI agents monitor user behavior, track market activity, optimize payments, and provide asset protection — all in real time.

A built-in smart referral engine identifies potential new users within a network, dispatches personalized invitations via WhatsApp or voice, and tracks successful referrals.